ABSTRACT
The number of consumer credit reporting agencies has been growing since the 1990s. International organisations, such as the IFC and the World Bank, and private companies, such as Equifax, Experian and CRIF, have been in the forefront spreading credit bureaus around the globe. In the OECD countries, the only country left without a credit bureau is Luxembourg. Most of these credit bureaus now include positive and negative information, even some of those that started out as black lists, upgraded to a system of full information.
